Published: August 29th, 2025
By: The Her Financial Frequency Team

🌸 Welcome Back to Her Financial Frequency

In this episode, hosts Janae and Barbie open up about their personal money journeys — from childhood lessons to investing confidence and redefining what financial freedom really means.

This Q&A is an honest, heart-centered conversation about how women think, talk, and evolve around money — the beliefs we inherit, the fears we outgrow, and the powerful choices we make as we build wealth on our own terms.

💭 The First Memories of Money

Janae’s story:
Janae grew up in a family that talked openly about money. Her earliest memory comes from tithing — giving 10% back to her church — and learning that money can make an impact. Her father, an entrepreneur, also taught her an empowering truth: “You can always make more.”

That mindset of abundance shaped how she approaches life today. Money, for her, is a tool — not something to fear or hoard.

Barbie’s story:
For Barbie, money wasn’t a topic discussed at home. Growing up lower middle class, she often felt there was “never quite enough.” That silence around money carried into adulthood — along with the belief that you have to work really hard for every dollar.

It wasn’t until her 40s that Barbie began to challenge that mindset. “I started to feel more empowered,” she says. “Finding comfort in talking about money changed everything.”

🌿 Evolving Financial Beliefs

Both women agreed that our early money stories follow us — often unconsciously — into adulthood. Whether it’s scarcity thinking or overworking, these patterns can shape how we save, spend, and invest.

Janae noticed that even relationships influence our money mindset:

“I’ve been in situations where I suddenly felt panicked about money — and realized that fear wasn’t mine. It was theirs.”

As the hosts reflected, they reminded listeners that self-awareness is the first step to rewriting financial patterns.

💰 How They Started Investing

Barbie’s first investment:
Inspired by HGTV and the dream of flipping houses, Barbie dove into real estate investing. “It seemed like a really cool thing — something I could do myself,” she recalls.

Janae’s first investment:
For Janae, investing started through her corporate 401(k) — something she didn’t think about again for years. Later, she discovered the world of private lending and hard money loans, realizing that individuals (not just banks) can fund deals and earn passive income.

That discovery opened doors to real estate, tech startups, and even crypto — showing her how broad and creative investing can be.

🔍 Becoming an Active Investor

Both women admitted that at first, they were passive participants in their financial lives.

“I thought my 401(k) wasn’t really investing,” Barbie laughs. “I just checked boxes and never looked again.”

Today, they’re much more intentional. They’ve learned to combine DIY investing with professional advice, staying curious, connected, and empowered.

🌟 How They Decide if an Investment Is Right

Janae’s rule #1: It’s about the people.

“Who is bringing me the investment? Who’s running it? If I don’t trust the people behind it, I don’t move forward.”

She also balances her portfolio across timelines — some short-term (3-5 years), others long-term (10+ years). Her focus: diversification and alignment with her personal goals.

Barbie’s rule #1: Numbers and intuition.
A self-described “numbers girl,” Barbie once relied only on data. But experience taught her that people matter just as much.

“If I trust who’s behind it, I don’t need a hard sell. The numbers support the story, but integrity comes first.”

💫 Defining Financial Freedom

When asked what financial freedom means to them, both women gave answers centered not on money — but on time and choice.

Barbie:

“Financial freedom means flexibility — the time to think, create, and choose how I spend my days.”

Janae:

“It’s the ability to choose how I show up in life. Money gives you breathing room to be present, to give back, and to live with intention.”

🪞 Lessons They Wish They’d Learned Sooner

Janae:

“I wish I’d started having money conversations earlier. As women, we often stay quiet about finances, and that holds us back from learning and growing.”

Barbie:

“Confidence. I wish I had the confidence to ask questions and make mistakes sooner. Knowledge really is power.”

Both emphasize the importance of being an active participant in your finances:

“Don’t just let someone else check the boxes. It’s your money. Own it.”

✨ Key Takeaways for Women Building Wealth

> Talk about money. Silence keeps you stuck.

> Question old beliefs. Your parents’ fears don’t have to be yours.

> Learn actively. Even small financial education steps build confidence.

> Trust and verify. People and integrity matter as much as numbers.

> Define freedom your way. It’s not just about wealth — it’s about time, peace, and alignment.

💖 Final Thoughts

At Her Financial Frequency, the mission is clear: empower women to build wealth through awareness, conversation, and aligned action.

Whether you’re exploring your first investment or redefining your relationship with money, remember — you don’t have to do it alone.

As the hosts remind us:

“Wealth isn’t just about numbers. It’s about energy, alignment, and intention.”

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Remember: Wealth isn’t just about numbers — it’s about energy, alignment, and intention.

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